If Adam trips over a rug in an automobile dealership, what is true regarding his potential claim?

Adam may file a third party claim with the dealership's insurance company because he has sustained an injury due to a potentially unsafe condition (the rug) on the dealership's premises. In liability cases such as this, individuals who suffer injuries often seek compensation from the party whose liability caused those injuries—in this case, the dealership.

A third party claim arises when a person (Adam) seeks damages from another party's (the dealership's) liability insurance for an incident that occurred due to that party's negligence. By filing a claim with the dealership's insurance company, Adam would be pursuing compensation for medical expenses, pain and suffering, or other damages resulting from the incident in which the dealership may be determined to be at fault for the unsafe condition.

This concept is crucial in understanding personal injury claims and liability in Missouri, as it clarifies the relationship between the injured party and the entity responsible for managing their risk through insurance.